Thanks for all the quick replies! Yes, it is a profit sharing plan. Credit unions are basically "non-profit" as I understand it, only holding working and expansion capital at the end of the year. The rest goes to employees in the form of this bonus, as well as lower interest rates on loans for members as well as lower fees. I guess 10 equity funds isn't so bad. There is representation of small/medium/large cap funds in both growth and value flavors, as well as a couple foreign funds and a REIT fund. No particular fund family, just a hodgepodge of Janus, Washington Mutual, Liberty, Templeton, Oppenheimer, etc.

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